Information processor, information processing method, and program

Abstract

To provide an information processor that enables quick change of user information according to an actual situation of a user.SOLUTION: An information processor includes: a change determination unit that determines, on the basis of a settlement amount included in a settlement history of electronic settlement service or payment information to the user made using the electronic settlement service, whether or not there has been a change in contents indicated by settlement service-related information held by a provider of electronic settlement service linked to a settlement application program installed on a terminal device of a user, and a determination result provision unit that notifies, when the change determination unit determines that the contents have changed, the terminal device of the user of the change in the contents.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an information processing device, an information processing method, and a program. [Background technology]

[0002] There are known techniques for evaluating the reliability of information registered by a user in order to use a service via a network. For example, Patent Document 1 discloses a technique for evaluating the reliability of information by comparing the information registered by a user with personnel information stored in advance. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2020-190955 Summary of the Invention [Problem to be solved by the invention]

[0004] The technology described in Patent Document 1 requires that personnel information corresponding to a user be prepared in advance in order to evaluate the reliability of information registered by the user. As a result, for example, if there is a change in the content of the personnel information, the user must notify the institution or system that stores the personnel information of the change. However, with the conventional technology, for example, the personnel information may not be promptly updated in accordance with the user's actual situation due to the user forgetting to notify of the change.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide an information processing device, an information processing method, and a program that enable user information to be quickly changed in accordance with the user's actual situation. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes an information acquisition unit that acquires user information held by a service provider as information for a user to use the service, a change determination unit that determines whether there has been a change in the content indicated by the user information based on payment service related information that is different from the user information and is held by a provider of an electronic payment service that is linked to a payment application program installed on the user's terminal device, and an update request unit that requests the terminal device to update the user information if the change determination unit determines that there has been a change in the content. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to quickly change user information depending on the actual situation of the user. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 illustrates an example of the configuration of a system 1. [Figure 2] FIG. 2 is a diagram illustrating an example of a functional configuration of a payment server 20. [Figure 3] 1 is a diagram showing an example of a scene in which a user makes a payment using a payment application program of terminal device 10. FIG. [Figure 4] 3 is a diagram showing an exemplary configuration of balance information 32 stored in a storage unit 30. FIG. [Figure 5] 3 is a diagram showing an exemplary configuration of payment history information 34 stored in a storage unit 30. FIG. [Figure 6] 3 is a diagram showing an exemplary configuration of upload information 36 stored in a storage unit 30. FIG. [Figure 7] FIG. 2 is a diagram illustrating an example of a functional configuration of an information processing device 60. [Figure 8] 7 is a diagram showing an exemplary configuration of service user information 74 stored in a storage unit 70. FIG. [Figure 9]10 is a diagram for explaining the relationship between balance information 32, payment history information 34, and upload information 36 stored by storage unit 30, and service user information 74 stored in storage unit 70. FIG. [Figure 10] 10 is a diagram showing an example of a change in the content indicated by service user information 74, determined by a change determination unit 66. FIG. [Figure 11] 7 is a diagram showing an exemplary configuration of integrated information 78 stored in a storage unit 70. FIG. [Figure 12] 10 is a diagram showing an example of update request information displayed on the terminal device 10 when an update request unit 68 requests an update of the service user information 74. FIG. [Figure 13] 1 is a sequence diagram showing an example of the flow of processing executed by the system 1. FIG. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, embodiments of an information processing device, a service providing system, an information processing system, an information processing method, and a program according to the present invention will be described with reference to the drawings.

[0010] Fig. 1 is a diagram showing an example of the configuration of system 1. System 1 includes, for example, terminal device 10, payment server 20, service server 40, and information processing device 60. The combination of service server 40 and information processing device 60 is an example of a "service providing system," and the combination of a payment application program (described below) that runs on terminal device 10, payment server 20, and information processing device 60 is an example of an "information processing system."

[0011] The terminal device 10, the payment server 20, the service server 40, and the information processing device 60 communicate with each other via a network NW. The network NW includes a wide area network (WAN), a local area network (LAN), the Internet, a cellular network, and the like.

[0012] The terminal device 10 is a computer device having communication and display functions, such as a smartphone, a personal computer, a tablet terminal, etc. In the terminal device 10, a processor such as a CPU (Central Processing Unit) and a UA (User Agent) such as a browser or an application program operate in cooperation with each other to display content on the display unit of the terminal device 10 and to execute various processes.

[0013] The payment server 20 provides the terminal device 10 with content in response to a request sent by the terminal device 10, or provides content by starting an application installed on the terminal device 10 and communicating with the started application program. The various processes include, for example, payment processing using electronic money. Details of the payment server 20 will be described later.

[0014] The service server 40 is, for example, a server device that provides the terminal device 10 with content in response to a request transmitted by the terminal device 10, or a server device that provides content by communicating with an application program installed on the terminal device 10 and transmitting and receiving various information when the application program is started. The service server 40 provides, for example, a deferred payment service for electronic money payments, a news service, a shopping service, an auction service, a matching service, a stock trading service, a banking service, a social networking service, a navigation service, and the like via a network. In this embodiment, for the sake of convenience, the service server 40 is assumed to provide a deferred payment service for electronic money payments, but the service server 40 is not limited to this, and there may be multiple service servers 40 that provide different services.

[0015] FIG. 2 is a diagram showing an example of the functional configuration of the payment server 20. The payment server 20 provides an electronic payment service. The payment server 20 includes, for example, an information acquisition unit 22, a payment management unit 24, a payment processing unit 26, and a memory unit 30. The information acquisition unit 22, the payment management unit 24, and the payment processing unit 26 perform payment-related processing, which will be described later, by executing programs stored in a memory device using a processor such as a CPU. The memory unit 30 stores, for example, balance information 32, payment history information 34, and upload information 36, which will be described later. The balance information 32, payment history information 34, and upload information 36 are examples of "payment service-related information."

[0016] The information acquisition unit 22 acquires information transmitted by a payment application program installed in the terminal device 10. The payment management unit 24 manages the information acquired by the information acquisition unit 22. For example, the payment management unit 24 manages the acquired information as payment service-related information. The payment processing unit 26 performs electronic payment processing in cooperation with the payment application program and a store terminal (not shown) that can use the payment service provided by the payment server. The payment server 20 manages, for example, the accounts of stores that are the subject of transactions and service providers that provide services to users, and realizes various payments by transferring electronic money between accounts in accordance with payment requests from users and stores.

[0017] For example, when a user presents a screen displaying code information (e.g., a barcode) generated by a payment application program to a store clerk and the store terminal reads the code information with a scanner or the like, the amount set in the store terminal, store identification information, and user identification information are transmitted to the payment server 20. For example, the user's identification information is encoded in the code information, and the store terminal decodes the code information to obtain the user's identification information, and further transmits the store's identification information stored in advance and the amount to be settled to the payment server 20. The payment server 20 deducts the amount transmitted from the store terminal from the user's charged balance and performs payment by associating a predetermined amount of the deducted amount with the store's identification information.

[0018] For example, when a user reads code information designated by a store with the terminal device 10, operates the terminal device 10 to input the amount to be paid, and performs an operation to make a payment, the payment server 20 acquires information corresponding to the above operation, the store's identification information, and the user's identification information from the terminal device 10. The payment server 20 then deducts the transmitted amount from the user's topped-up balance, and performs the payment by associating a predetermined amount of the deducted amount with the store's identification information.

[0019] FIG. 3 is a diagram illustrating an example of a scene in which a user makes a payment using a payment application program on terminal device 10. As shown in FIG. 3, the display unit of terminal device 10 displays code information read by a camera (not shown) of terminal device 10, the charge balance, a payment button PB1, and a deferred payment button PB2. A user can make a payment by inputting the payment amount on terminal device 10 and pressing payment button PB1. Alternatively, by pressing deferred payment button PB2, the payment application program accesses service server 40, allowing the user to use a deferred payment service provided by service server 40. Here, a deferred payment service is a service that allows a user to purchase goods or services without making a prepayment into an electronic payment service. The amount used by the user is settled, for example, by debiting the charge balance on a specified day of the following month. To use a deferred payment service, the user registers service user information with service server 40. Details of the service user information will be described later with reference to FIG. 8.

[0020] 3, the user accesses the service server 40 via a payment application program on the terminal device 10 to use the deferred payment service, and therefore the terminal device 10 does not need to separately install an application program for executing the service provided by the service server 40. This allows the identification information of the terminal device 10 to be shared between the payment server 20 and the service server 40. Therefore, in the following description, a description of the process for identifying the terminal device 10, which is appropriately executed between the payment server 20 and the service server 40, may be omitted.

[0021] [Data Structure] Next, the configurations of the balance information 32, payment history information 34, and upload information 36 stored in the storage unit 30 will be described with reference to Figures 4 to 6. Figure 4 is a diagram showing an example configuration of the balance information 32 stored in the storage unit 30. The balance information 32 is stored by the storage unit 30 for each user of the electronic payment service. As shown in Figure 4, the balance information 32 associates information such as summary, withdrawal, deposit, and charge balance with the date.

[0022] The summary is information indicating the reason for the withdrawal or deposit to the user's charge balance, such as a charge, a salary transfer, or the name of the store where the user purchased goods or services. Withdrawal is information indicating the amount deducted from the user's charge balance. Deposit is information indicating the amount transferred to the user's charge balance. Charge balance is information indicating the amount remaining in the user's account after a withdrawal or deposit process has been executed. A salary transfer is an example of "payment information to the user."

[0023] FIG. 5 is a diagram showing an exemplary configuration of payment history information 34 stored in storage unit 30. The payment history information 34 is stored by storage unit 30 for each user of the electronic payment service. As shown in FIG. 5, the payment history information 34 associates information such as the payment location and payment amount with time. The payment location is information indicating the store where the user purchased goods or services using the electronic payment service. For convenience, FIG. 5 lists only the store name, but GPS information (longitude and latitude information) indicating the location of the store may also be stored. The payment amount is information indicating the amount of goods or services purchased by the user using the electronic payment service.

[0024] FIG. 6 is a diagram showing an exemplary configuration of the upload information 36 stored in the storage unit 30. The upload information 36 is information that the terminal device 10 periodically transmits to the payment server 20 through background processing of the payment application program, and is stored in the storage unit 30 for each user of the electronic payment service. As shown in FIG. 6, the upload information 36 associates information such as location with time. As an example, FIG. 6 shows an example in which the terminal device 10 transmits its GPS information (longitude and latitude information) to the payment server 20 every six hours, but the present invention is not limited to this configuration, and the upload information may be transmitted at predetermined time intervals, such as every hour.

[0025] [Information processing device] 7 is a diagram showing an example of the functional configuration of an information processing device 60. The information processing device 60 includes, for example, an information acquisition unit 62, a user information estimation unit 64, a change determination unit 66, an update request unit 68, and a storage unit 70. The information acquisition unit 62, the user information estimation unit 64, the change determination unit 66, and the update request unit 68 are realized by, for example, a hardware processor such as a CPU (Central Processing Unit) executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device. All of the above components do not need to be realized by a single processor, and distributed processing by multiple processors may be performed as appropriate. Furthermore, some or all of the functional configuration of the information processing device 60 may be included in the payment server 20.

[0026] The information acquisition unit 62 acquires from the payment server 20 user information registered with the electronic payment service, balance information 32, payment history information 34, and upload information 36, and stores this in the storage unit 70 as payment service related information 72. The information acquisition unit 62 further acquires user information held by the service server 40 as information for the user to use the deferred payment service, and stores this in the storage unit 70 as service user information 74. The information acquisition unit 62 integrates the payment service related information 72, user information estimated based on the payment service related information 72 (details will be described later), and the service user information 74, and manages them as integrated information 78. The integrated information 78 is information that comprehensively summarizes information about each user based on information acquired from the payment server 20 and the service server 40.

[0027] Fig. 8 is a diagram showing an exemplary configuration of the service user information 74 stored in the storage unit 70. As shown in Fig. 8, the service user information 74 associates information such as a user ID with a name, telephone number, email address, place of employment, address, and annual income. When a user uses a deferred payment service, this information is entered on a service application screen provided by the service server 40 using the terminal device 10 and transmitted to the service server 40. Since it is important to understand the creditworthiness of a user in a deferred payment service, the service user information 74 also stores information indicating the user's financial strength, such as place of employment and annual income.

[0028] The name is information indicating the name of the user corresponding to the user ID. The phone number is information indicating the phone number of the user corresponding to the user ID. The email address is information indicating the email address of the user corresponding to the user ID. The place of employment is information indicating the name of the company where the user corresponding to the user ID works. The address is information indicating the address of the residence where the user corresponding to the user ID lives. The annual income is information indicating the amount of income earned per year by the user corresponding to the user ID. This information was entered by the user corresponding to the user ID when they began using the deferred payment service, but after a certain period of time has passed, even if the content of the input information changes, there is a problem that the content of the information is not updated promptly, for example, because the user forgets to update the information.

[0029] Therefore, the user information estimation unit 64 estimates the content of the service user information 74 based on the payment service related information 72. More specifically, the user information estimation unit 64 estimates the content of each item of the service user information 74 based on the payment service related information 72, and stores the estimated content as estimated user information 76. Next, the change determination unit 66 compares the estimated user information 76 estimated by the user information estimation unit 64 with the service user information 74, and determines whether or not there has been a change in the content indicated by the service user information 74.

[0030] FIG. 9 illustrates the relationship between the balance information 32, payment history information 34, and upload information 36 stored by the storage unit 30 and the service user information 74 stored in the storage unit 70. The user information estimation unit 64 estimates the user's workplace information based on, for example, payment location information included in the payment history information 34. The change determination unit 66 compares the estimated workplace information with the workplace information in the service user information 74 to determine whether there has been a change in the content indicated by the workplace information in the service user information 74. More specifically, referring to the payment history information 34 in FIG. 5, the user uses electronic payment services at Store A every day during the daytime in April and May. Therefore, the user information estimation unit 64 estimates that the user's workplace is near Store A, and the change determination unit 66 measures the distance between Store A and Trading Company C indicated by the workplace information in the service user information 74 based on map information (not shown) stored in the information processing device 60. In this case, the "distance" may be the straight-line distance connecting the GPS coordinates of Store A and the GPS coordinates of Trading Company C, or the user's walking distance calculated based on the road structure set in the map information. The change determination unit 66 compares the measured distance with a threshold (e.g., 1 [km]), and if the distance is less than the threshold, determines that there has been no change in the content indicated by the workplace information in the service user information 74. In the case of Figure 5, Store A and Trading Company C are located across an intersection, and the distance between the two points is less than the threshold, so the change determination unit 66 determines that there has been no change in the content indicated by the workplace information in the service user information 74.

[0031] Three months later, as shown in the lower part of the payment history information 34 in Figure 5, the user uses electronic payment services at Store C every day during the daytime in July and August. Therefore, the user information estimation unit 64 estimates that the user's workplace is near Store C, and the change determination unit 66 then remeasures the distance between Store C and Trading Company C indicated in the workplace information in the service user information 74 and compares the measured distance with a threshold. Referring to Figure 9, since Store C and Trading Company C are far apart, the change determination unit 66 determines that the measured distance is equal to or greater than the threshold and determines that there has been a change in the content indicated by the workplace information in the service user information 74.

[0032] Furthermore, for example, the user information estimation unit 64 estimates the user's address information based on the payment location information included in the payment history information 34, and the change determination unit 66 compares the estimated address information with the address information in the service user information 74 to determine whether there has been a change in the content indicated by the address information in the service user information 74. More specifically, referring to the payment history information 34 in FIG. 5, the user uses electronic payment services at Store B every evening in April and May. Therefore, the user information estimation unit 64 estimates that the user's address is near Store B, and the change determination unit 66 measures the distance between Store B and the location indicated by the address information in the service user information 74 based on map information. In the case of FIG. 5, Store B and the location indicated by the address information in the service user information 74 are located across the road from each other, and the distance between the two locations is less than a threshold value. Therefore, the change determination unit 66 determines that there has been no change in the content indicated by the address information in the service user information 74.

[0033] Three months later, as shown in the lower part of the payment history information 34 in Figure 5, the user uses electronic payment services at D Store every evening in July and August. Therefore, the user information estimation unit 64 estimates that the user's workplace is near D Store, and the change determination unit 66 then measures the distance between D Store and the location indicated by the address information in the service user information 74 again and compares the measured distance with a threshold. Referring to Figure 9, since D Store and the location indicated by the address information in the service user information 74 are far apart, the change determination unit 66 determines that the measured distance is equal to or greater than the threshold and determines that there has been a change in the content indicated by the address information in the service user information 74.

[0034] In the above description, the user information estimation unit 64 estimates workplace information from the payment history of electronic payment services during the daytime, and estimates address information from the payment history of electronic payment services during the nighttime. However, the present invention is not limited to this configuration. For example, it is conceivable that some users come to work at night and leave work during the day. Therefore, the user information estimation unit 64 may estimate workplace information or address information further based on, for example, the uploaded information 36. For example, if the GPS coordinates in the uploaded information 36 during the nighttime indicate the location of an office building, the user information estimation unit 64 may estimate workplace information from the payment history of electronic payment services during the nighttime. Conversely, if the GPS coordinates in the uploaded information 36 during the daytime indicate the location of a residence, the user information estimation unit 64 may estimate address information from the payment history of electronic payment services during the daytime.

[0035] Furthermore, for example, the user information estimation unit 64 estimates the user's annual income information based on the deposit information included in the balance information 32, and the change determination unit 66 compares the estimated annual income information with the annual income information in the service user information 74 to determine whether there has been a change in the content indicated by the annual income information in the service user information 74. More specifically, referring to the balance information 32 in FIG. 4, 300,000 yen is deposited on the 6th of each month with the summary "salary transfer." Therefore, the user information estimation unit 64 estimates that the user's annual income is 3.6 million yen, and the change determination unit 66 compares the estimated annual income with the 3.6 million yen indicated by the annual income information in the service user information 74 and determines that there has been no change in the content indicated by the annual income information in the service user information 74 when the difference is less than a threshold (e.g., 1 million yen). In this case, since the difference is zero, the change determination unit 66 determines that there has been no change in the content indicated by the annual income information in the service user information 74.

[0036] Three months later, the amount of salary deposited into the user's account has changed from 300,000 yen to 400,000 yen, as shown at the bottom of the balance information 32 in Fig. 4. Therefore, the user information estimation unit 64 estimates that the user's annual income is 4.8 million yen, and the change determination unit 66 compares this with the 3.6 million yen indicated by the annual income information in the service user information 74 and determines that the difference is equal to or greater than the threshold, i.e., determines that there has been a change in the content indicated by the annual income information in the service user information 74.

[0037] Furthermore, for example, the user information estimation unit 64 estimates the user's annual income information based on the payment amount included in the payment history information 34. More specifically, for example, the user information estimation unit 64 totals the payment amounts included in the payment history information 34 of FIG. 5 over a one-month period, and estimates that the larger the total payment amount, the higher the user's annual income, and the smaller the total payment amount, the lower the user's annual income. The change determination unit 66 records the total payment amount each month, and if the total payment amount increases (decreases), it can determine that the user's annual income has increased (decreased). Furthermore, for example, the user information estimation unit 64 can estimate the user's annual income by multiplying the total payment amount by a predetermined coefficient. In this case, the predetermined coefficient can be determined based on, for example, statistical data showing the relationship between the annual income information of multiple users and the payment amount for one month. Furthermore, for example, the user information estimation unit 64 totals the amount of charges made by the user to the electronic payment service over a month based on the balance information 32, and estimates that the larger the total charge amount, the higher the user's annual income, and the smaller the total charge amount, the lower the user's annual income. The change determination unit 66 records the total charge amount each month, and if the total charge amount increases (decreases), it can determine that the user's annual income has increased (decreased). Furthermore, for example, the user information estimation unit 64 can estimate the user's annual income by multiplying the total charge amount by a predetermined coefficient. In this case, the predetermined coefficient can be determined, for example, based on statistical data showing the relationship between the annual income information of multiple users and the charge amount for one month.

[0038] If the difference between the estimated annual income and the amount indicated by the annual income information in the service user information 74 is less than the threshold, the change determination unit 66 determines that there has been no change in the content indicated by the annual income information in the service user information 74. On the other hand, if the difference between the estimated annual income and the amount indicated by the annual income information in the service user information 74 is equal to or greater than the threshold, the change determination unit 66 determines that there has been a change in the content indicated by the annual income information in the service user information 74.

[0039] Furthermore, for example, the user information estimation unit 64 estimates the user's workplace information based on the location information of the terminal device 10 included in the uploaded information 36, and the change determination unit 66 compares the estimated workplace information with the workplace information in the service user information 74 to determine whether there has been a change in the content indicated by the workplace information in the service user information 74. More specifically, if a location coordinate appears a predetermined number of times (e.g., three times) or more among the multiple location coordinates included in the uploaded information 36 and indicates a workplace such as an office building based on map information, the user information estimation unit 64 estimates the location coordinate as the user's workplace information. For example, in the case of FIGS. 6 and 9, the user information estimation unit 64 estimates the location coordinate of "XX degrees, XX minutes, XX seconds" as the user's workplace, and the change determination unit 66 measures the distance between the location coordinate of "XX degrees, XX minutes, XX seconds" and C Corporation indicated by the workplace information in the service user information 74, and compares the measured distance with a threshold. As shown in FIG. 9, the position coordinates of "XX degrees XX minutes XX seconds" match C Corporation, so the change determination unit 66 determines that there has been no change in the content indicated by the workplace information of the service user information 74.

[0040] After three months have passed, as shown at the bottom of the upload information 36 in FIG. 6, the location coordinates of "ZZ degrees, ZZ minutes, ZZ seconds" appear a predetermined number of times or more, and the location coordinates indicate an office building. Therefore, the user information estimation unit 64 next estimates the location coordinates of "ZZ degrees, ZZ minutes, ZZ seconds" as the user's workplace information. Next, the change determination unit 66 measures the distance between the location coordinates of "ZZ degrees, ZZ minutes, ZZ seconds" and C Corporation indicated in the workplace information of the service user information 74, and compares the measured distance with a threshold. As shown in FIG. 9, the location coordinates of "ZZ degrees, ZZ minutes, ZZ seconds" are far from C Corporation, so the change determination unit 66 determines that there has been a change in the content indicated by the workplace information of the service user information 74.

[0041] Further, for example, the user information estimation unit 64 estimates the user's address information based on the location information of the terminal device 10 included in the upload information 36, and the change determination unit 66 compares the estimated address information with the address information of the service user information 74 to determine whether there has been a change in the content indicated by the address information of the service user information 74. More specifically, if a location coordinate appears a predetermined number of times (e.g., three times) or more among the multiple location coordinates included in the upload information 36 and the address indicates, for example, a residential area such as an apartment building based on map information, the user information estimation unit 64 estimates the location coordinate as the user's address information. For example, in the case of FIGS. 6 and 9, the user information estimation unit 64 estimates the location coordinate of "YY degrees, YY minutes, YY seconds" as the user's address, and the change determination unit 66 measures the distance between the location coordinate of "YY degrees, YY minutes, YY seconds" and "91-6, XX town" indicated by the address information of the service user information 74, and compares the measured distance with a threshold. As shown in Figure 9, the location coordinates of "YY degrees YY minutes YY seconds" match "XX town 91-6," so the change determination unit 66 determines that there has been no change in the content indicated by the workplace information in the service user information 74.

[0042] After three months have passed, as shown at the bottom of the upload information 36 in FIG. 6, the location coordinates of "VV degrees, VV minutes, VV seconds" appear a predetermined number of times or more, and the location coordinates indicate an apartment. Therefore, the user information estimation unit 64 next estimates the location coordinates of "VV degrees, VV minutes, VV seconds" as the user's address information. Next, the change determination unit 66 measures the distance between the location coordinates of "VV degrees, VV minutes, VV seconds" and C Corporation indicated by the address information in the service user information 74, and compares the measured distance with a threshold. As shown in FIG. 9, the location coordinates of "VV degrees, VV minutes, VV seconds" are far from C Corporation, so the change determination unit 66 determines that there has been a change in the content indicated by the address information in the service user information 74.

[0043] 10 is a diagram showing an example of a change in the content indicated by the service user information 74, as determined by the change determination unit 66. As shown in Fig. 10, based on the balance information 32, the payment history information 34, and the upload information 36, the change determination unit 66 determines that the content indicated by the workplace information in the service user information 74 has changed from near store A to near store D, that the content indicated by the address information in the service user information 74 has changed from near store B to near store C, and that the content indicated by the annual income information in the service user information 74 has changed from 3.6 million yen to 4.8 million yen.

[0044] When the change determination unit 66 determines that there has been a change in the content indicated by a certain item of the service user information 74, the update request unit 68 requests the terminal device 10 to update the service user information 74. More specifically, the update request unit 68 notifies the service server 40 that the content indicated by a certain item of the service user information 74 may have changed, and upon receiving the notification, the service server 40 displays update request information on the payment application program of the terminal device 10 to confirm the need to update the service user information 74.

[0045] Fig. 11 is a diagram for explaining integrated information 78. As shown in Fig. 11, the information stored in the column of "payment service" corresponds to user information (name, telephone number, email address) registered in the electronic payment service and user information (place of employment, address, annual income) estimated based on payment service-related information 72, the information stored in the column of "first service" corresponds to service user information 74, and the information stored in the columns from "second service" onwards corresponds to service user information stored in other service servers that cooperate with the electronic payment service.

[0046] When the change determination unit 66 determines that there has been a change in the content of the information stored in the "payment service" column of the integrated information 78, the update request unit 68 may request the terminal device 10 to update the service user information 74 and notify the service server 40 (and other service servers) of the change in content. For example, in FIG. 11, when it is determined that there has been a change in the content of the information "telephone number" stored in the "payment service" column, the update request unit 68 may request the terminal device 10 to update the "telephone number" and notify the service server 40 (and other service servers) of the change in content. Furthermore, when the change determination unit 66 determines that there has been a change in the content of the information "place of work" in the integrated information 78, the update request unit 68 may request the terminal device 10 to update the "place of work" and notify the service server 40 (and other service servers) of the change in content.

[0047] The update request unit 68 may not only unidirectionally notify the service server 40 of changes in information registered or estimated by the electronic payment service, but also bidirectionally notify the payment server 20 and other service servers of changes in information registered by the service server 40. In other words, when a discrepancy occurs between the information stored in each column registered in the integrated information 78, the update request unit 68 may cause the payment server 20 and the service server 40 as a whole to share information indicating the discrepancy.

[0048] When the integrated information 78 is generated, for example, the following processing may be performed. If the information processing device 60 determines that the information is user information based on some or all of the content, type, format, or labels associated with the information acquired from multiple service providers, the information processing device 60 aggregates the information as user information. The information processing device 60 recognizes the content of the information, and if it determines that the information is information such as the name, address, or email address of a target user managed in the integrated information 78, it associates the information as user information with a target item in the integrated information 78. Furthermore, if the information processing device 60 determines that the format of the information is a predetermined format, for example, it associates the information as user information with a target item in the integrated information 78. For example, if an "@" is found after alphabets, numbers, or a combination thereof, and a character string that is presumed to be a domain such as "****.com" is included after the "@," the information processing device 60 determines that the information is a user's email address. The information processing device 60 may presumably presumes the domain based on dictionary information stored in advance, or if the information contains a predetermined character string (e.g., ".com"), it presumes that the information is an email address. In addition, the information processing device 60 may obtain information about the label indicating the type of item information (for example, a label indicating that it is name information or a label indicating that it is email address information) from the service provider, and generate integrated information 78 based on the obtained information.

[0049] For example, each service server 40 may transmit information to the information processing device 60 in a different format. In this case, the information processing device 60 can determine which item of information the acquired information corresponds to by referring to the content, type, format, label, and the like of the information, as described above. For example, one service server may transmit "email;XXX@XXX.com," while another service server may transmit "mail address;XXX@XXX.com." Even when the notation of an email address item differs, the information processing device 60 can determine that the information corresponds to an email address by analyzing, for example, predetermined dictionary information, keywords, or the meaning of characters. In this way, even when the service servers 40 provide information in different formats, the information processing device 60 can perform so-called name matching, taking into account similarities in the format of the specific information, to determine which item of information the information corresponds to. Incidentally, when the service server 40 receives information from the information processing device 60, the service server 40 may also determine the type of the received information by taking into account similarities in the format of the information, as described above.

[0050] FIG. 12 is a diagram illustrating an example of update request information displayed on the terminal device 10 when the update request unit 68 requests an update of the service user information 74. As described above with reference to FIG. 10 , the change determination unit 66 determines that there have been changes in the workplace information, address information, and annual income information. Therefore, the update request unit 68 displays information for confirming the need to update the workplace information, address information, and annual income information on the payment application program of the terminal device 10. This allows the user to confirm the need to update the service user information 74 on the terminal device 10 and quickly change the user information according to the user's actual situation. Note that FIG. 12 describes an example in which information estimated to need to be updated is specifically displayed. However, the present invention is not limited to this configuration. An update confirmation message may be displayed without specifically specifying the user information estimated to need to be updated.

[0051] When the service server 40 is notified by the update request unit 68 that there may be a change in the content indicated by a certain item of the service user information 74, the service server 40 may change the content of the service to be provided to the user based on the notification. For example, in the case of Fig. 10, the service server 40 may increase the upper limit of the deferred payment amount of the deferred payment service in response to receiving a notification indicating that the user's annual income may have changed from 3.6 million yen to 4.8 million yen.

[0052] [Sequence] 13 is a sequence diagram showing an example of the flow of processing executed by the system 1. First, the information processing device 60 detects a change in the content indicated by the service user information 74 based on the estimated user information 76 (S100). Next, the information processing device 60 notifies the service server 40 of the detected change in content (S101). Next, the service server 40 requests the terminal device 10 to update the service user information 74 (S102).

[0053] Next, when the terminal device 10 receives a request to update the service user information 74, it displays update request information on the display unit to confirm the need to update the service user information 74, and accepts an input from the user to update the service user information 74 (S103). Next, the terminal device 10 transmits the updated service user information 74 to the service server 40 (S104). Next, when the service server 40 receives the updated service user information 74, it stores the updated service user information 74 in its own storage unit (S105).

[0054] Next, the service server 40 transmits the updated service user information 74 to the information processing device 60 (S106). Next, the information processing device 60 stores the received service user information 74 in the storage unit 70 (S107). This completes the processing of the sequence diagram.

[0055] In the above embodiment, when the change determination unit 66 determines that there has been a change in the content indicated by a certain item of the service user information 74, the terminal device 10 is requested to update the service user information 74. However, the present invention is not limited to such a configuration, and the service server 40 may be provided with a determination result providing unit that provides the result of the determination by the change determination unit 66 to the service server 40 without requesting an update from the terminal device 10. In this case, upon receiving the determination result, the service server 40 may change the content of the service to be provided to the user in accordance with the content of the determination result.

[0056] According to the embodiment of the present invention described above, the information processing device 60 estimates the content of the user information held by the service server 40 based on the payment service-related information held by the payment server 20, and if it determines based on the estimation result that there has been a change in the content indicated by the user information, it requests the terminal device 10 to update the user information. This makes it possible to quickly change the user information according to the actual situation of the user.

[0057] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0058] 1. System, 10. Terminal device, 20. Payment server, 22. Information acquisition unit, 24. Payment management unit, 26. Payment processing unit, 30. Storage unit, 32. Balance information, 34. Payment history information, 36. Upload information, 40. Service server, 60. Information processing device, 62. Information acquisition unit, 64. User information estimation unit, 66. Change determination unit, 68. Update request unit, 70. Storage unit, 72. Payment service related information, 74. Service user information, 76. Estimated user information

Claims

1. a change determination unit that determines whether there has been a change in the content of payment service-related information held by a provider of an electronic payment service linked to a payment application program installed on a user's terminal device, based on the payment amount included in the payment history of the electronic payment service or payment information made to the user using the electronic payment service; a determination result providing unit that notifies the user's terminal device of the change in content when the change determining unit determines that the content has changed; An information processing device comprising:

2. the change determination unit determines whether or not there has been a change in the user's annual income information as the content, based on the payment amount or the payment information; The information processing device according to claim 1 .

3. a change determination unit that determines whether there has been a change in the content indicated by the payment service related information held by the provider of the electronic payment service linked to the payment application program installed on the user's terminal device; a determination result providing unit that notifies the user's terminal device of the change in content when the change determining unit determines that the content has changed; An information processing device comprising:

4. The payment service-related information includes payment history. The information processing device according to claim 3 .

5. the change determination unit determines whether or not there has been a change in the user's workplace information as the content based on the payment location information included in the payment history; The information processing device according to claim 4 .

6. the change determination unit determines whether or not there has been a change in the address information of the user based on information on the payment location included in the payment history. The information processing device according to claim 4 .

7. the change determination unit determines whether or not there has been a change in the user's annual income information as the content based on information on the payment amount included in the payment history; The information processing device according to claim 4 .

8. The computer Determine whether there has been a change in the content of payment service-related information held by the provider of the electronic payment service linked to the payment application program installed on the user's terminal device, based on the payment amount included in the payment history of the electronic payment service or payment information made to the user using the electronic payment service; If it is determined that there has been a change in the content, notify the user's terminal device of the change in the content. Information processing methods.

9. On the computer, determining whether there has been a change in the content of payment service-related information held by a provider of an electronic payment service linked to a payment application program installed on the user's terminal device, based on the payment amount included in the payment history of the electronic payment service or payment information to the user made using the electronic payment service; If it is determined that there has been a change in the content, the change in the content is notified to the terminal device of the user. program.

10. The computer Determine whether there has been a change in the content of payment service-related information held by the provider of the electronic payment service linked to the payment application program installed on the user's terminal device; If it is determined that there has been a change in the content, notify the user's terminal device of the change in the content. Information processing methods.

11. On the computer, determining whether there has been a change in the content of payment service-related information held by a provider of an electronic payment service linked to a payment application program installed on the user's terminal device; If it is determined that there has been a change in the content, the change in the content is notified to the terminal device of the user. program.

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